ZAP
ActiveZAP has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €408k and a net result of €7k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
91
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability9▲+9
Solvency98=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 4.41 in 2023), and 41.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d late
2023
23 d early
2022
151 d late
2021
120 d late
2020
153 d late
2019
153 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€408k▼ 7.2%
2023 · €439k
2018: €334k
2019: €343k
2020: €353k
2021: €499k
2022: €457k
2023: €439k
2018 → 2024
Total assets
€700k▼ 5.4%
2023 · €740k
2018: €434k
2019: €663k
2020: €665k
2021: €729k
2022: €790k
2023: €740k
2018 → 2024
Net result
€7k▲ 13,546%
2023 · €53
2018: €39k
2019: €8k
2020: €10k
2021: €169k
2022: €-18k
2023: €53
2018 → 2024
Working capital
€147k▼ 26.6%
2023 · €200k
2018: €207k
2019: €164k
2020: €177k
2021: €401k
2022: €243k
2023: €200k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€353k-€499k▲ 41.5%€457k▼ 8.4%€439k▼ 3.8%€408k▼ 7.2%
Operating result€19k-€244k▲ 1,152%€-12k€5k€10k▲ 106%
Net result€10k-€169k▲ 1,592%€-18k€53€7k▲ 13,546%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 106% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €700k
Fixed assets
€470k▼ 2.4%
Current assets
€230k▼ 10.9%
Equity and liabilities €700k
Equity
€408k▼ 7.2%
Debt
€292k▼ 2.7%
The debt ratio rises from 40.6% to 41.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€22k▲
2023 · €18k
Cash flow
€19k▲
2023 · €13k
Solvency
58.2%▼
2023 · 59.4%
Current ratio
2.76▼
2023 · 4.41
Quick ratio
2.76▼
2023 · 4.41
Debt / equity
0.72▲
2023 · 0.68
ROE
1.8%▲
2023 · 0.0%
ROA
1.0%▲
2023 · 0.0%
Interest coverage
4.57▲
2023 · 3.30
Debt
€292k▼
2023 · €300k
Debt ≤ 1 year
€84k▲
2023 · €59k
Debt > 1 year
€209k▼
2023 · €242k
Income taxes
€1k▲
2023 · €436
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€740k€700k▼
Fixed assets21/28€481k€470k▼
Tangible fixed assets22/27€272k€261k▼
Land and buildings22€258k€250k▼
Furniture and vehicles24€9k€5k▼
Other tangible fixed assets26€6k€6k=
Financial fixed assets28€209k€209k=
Current assets29/58€258k€230k▼
Amounts receivable within one year40/41€44k€40k▼
Trade receivables40€42k€40k▼
Other amounts receivable41€2k€59▼
Current investments50/53€74k€125k▲
Cash at bank and in hand54/58€138k€62k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€740k€700k▼
Equity10/15€439k€408k▼
Contributions10/11€6k€6k=
Reserves13€433k€401k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€1k€1k=
Distributable reserves133€432k€400k▼
Profit (loss) carried forward14€53€53=
Amounts payable17/49€300k€292k▼
Amounts payable after more than one year17€242k€209k▼
Financial debts170/4€242k€209k▼
Amounts payable within one year42/48€59k€84k▲
Current portion of amounts payable after more than one year42€33k€33k▲
Financial debts43€786€273▼
Credit institutions430/8€786€273▼
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Other amounts payable47/48€9k€37k▲
Accrued charges and deferred income492/3-€104
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€19k€23k▲
Operating profit (loss)9901€5k€10k▲
Financial income75/76B€962€3k▲
Recurring financial income75€962€3k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€489€8k▲
Income taxes67/77€436€1k▲
Profit (loss) for the period9904€53€7k▲
Profit (loss) for the period to be appropriated9905€53€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53€7k▲
Profit (loss) brought forward from the previous period14P-€53
Transfer from equity791/2€17k€39k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
Profit to be distributed694/7€17k€39k▲
Return on contributions (dividend)694€17k€39k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €53
Net result €53 after one loss-making year.
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 151 days late
2022
31-12
Financial
Weakest financial yearnet €-18k ▼110%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
2021
31-12
Financial
Highest result since 2018net €169k ▲1592%
Operating result €244k, net result €169k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 12.22
Current ratio from 4.92 to 12.22; short-term debt falls from €45k to €36k.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 519 days late
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 83 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bornem · 1 establishment unit since 1994
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Wolfgang d'Urselstraat(HIN) 8 A2880 BornemGround area
160 m²
Building footprint
132 m²
Volume, LiDAR
1,173 m³
Parcel 12015A0597/00V000, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Wolfgang d'Urselstraat(HIN) 8 A, 2880 Bornem
since 19942.067.611.517
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015A0597/00V000 | Flanders | 160 m² | 1 · 132 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ArchLink
BE 0686.634.294
Sint-Martens-Latem · Eq €408k
BORREAS
BE 0840.476.591
Ninove · Eq €408k
AGILE MANAGEMENT
BE 0762.473.250
Bonheiden · Eq €408k
BINK CONSULTING
BE 0553.755.083
Rumst · Eq €407k
PASCAL ALLOUARD CONSULTING
BE 0826.335.377
Etterbeek · Eq €408k
Of 29,997 companies in sector 62200 we hold annual accounts for 18,386. 12,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-1994
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.